Horse properties are not just real estate. Horse property and equestrian living is a life style for those who enjoy horses, whether it is trail riding, showing, breeding or training. Horses come in many breeds, sizes and colors. Owning one is great responsibility, but the joys of looking out your back window and seeing them in pasture is well worth that monthly mortgage payment.

Owning a Durango horse property is advantageous in many ways, besides just cutting down on your boarding bill. So, if you have decided it's time to find a place for you and your hoofed family, or move from an equestrian community to a large acreage ranch, the real estate agents listings on this web site might help you find the perfect equestrian real estate

Horse owners are a special breed of their own. Whether you are looking for a small ranch, a commercial training facility, or an equestrian estate, the real estate agents and sellers who list their properties here can help you find what you need in their geographical area.

When considering the purchase of a Durango farm and ranch or rural residential property with acreage it is important that Buyers are aware of all of the factors involved in that kind of a purchase. One of the most important factors, unless it is a "cash" purchase, is financing.

Not only are farm and ranch properties defined differently by area multiple listing services ranging from a few acres and up, to ten to twenty acres or more, depending on location. The most important definition will be what the Lender considers the property for financing, and what kind of lending programs are available for that size acreage. The price of the property, the size of the property, and the Buyers credit rating, and debt to income ratio will also come in to play.

There are lots of choices when shopping for a Lender. I suggest that my Buyers start the shopping for a loan program early in the process of identifying a property to purchase.

I really like local Lenders such as local Banks and Credit Unions that do business in the areas that the subject purchase property is. They provide a much more personalized service and Buyers can begin long term beneficial banking relationships with a human touch. Also the local Lenders are more familiar with the real estate market and values in their area, and with rural residential and farm and ranch properties , and many times have local underwriting which makes for a much easier closing process.

I am not fond of the national Banks loan programs for rural residential or farm and ranch purchases. I have found over the years that national Banks say they can loan for larger land purchases but when it comes down to appraisal their criteria or guidelines prohibit them from performing, which makes for a real mess and can be a deal breaker.